Do you drive in Hermitage? Property Damage Liability and Bodily Injury Liability are coverages you need to know about. By law, most states require drivers to maintain a minimum amount of BI and PDL. Bodily Injury helps pay for other drivers and passengers accident-related medical expenses when you're at fault for the accident. It doesn't pay for any of your medical expenses. If you cause an accident and damage another person's property, Property Damage Liability will help pay for the damage. The "property" that's damaged is typically the other person's car, but it might also include things like damage to a fence, home, mailbox, or guardrail.
Property Damage Liability claims are made when you're responsible for damaging another person's property. Your accident-related vehicle damages are not paid for under this coverage. If you're worried about having a financial cushion to help cover your own after-accident costs, give us a call. We'll walk you through the ins-and-outs of other important coverages like Collision, Comprehensive, Under/Uninsured Motorist, and Medical Payments.
What's the best amount of liability insurance to have in terms of Property Damage Liability in Hermitage? It depends. You have two options: go with Tennessee's minimum Property Damage Liability limits as required by law or choose higher limits. "Limits" determine the greatest amount of money your car insurance company will pay in the event that you need to use your coverage. Property Damage limits vary by state and insurance company. Liability limits can range between $5,000 and $100,000. Selecting the minimum limits may help you find the cheapest auto insurance, but it also means that you could be responsible for paying for property damage you cause that your insurance doesn't cover. That's money out of your pocket. So, if you cause property damage that ends up totaling more than your coverage limit, you may have to pay the difference.
It's time to get the protection you need at a price you love! Call 1-877-GO-DIRECT (1-877-463-4732), get a quote online, or stop by your nearest Direct Auto & Life Insurance in Hermitage. Property Damage Liability is only a click, call, or short drive away! We help you determine the best policy for your needs and find ALL the discounts you're entitled to. That's a promise! From there, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing how and when you pay. It doesn't matter whether you pay cash in-person or pay with a credit card, making policy payments and maintaining Property Damage Coverage in Hermitage is easy with Direct Auto & Life!